potentially in good shape if you've invested in your offices 401(k) plan, pre-tax dollars taken out of your paycheck. i know, in start-up drenched silicon valley, retirement plans are about the least sexy thing we can possibly talk about. >> most of the folks are probably just trying to focus on survival, not making sure their nest is feathered. >> david mcclure is the founding partner of the 500 startup focusing on building small businesses. but he's also been part of big companies like ebay. he has a 401(k) of his own and it's up too. >> i do look at those things as sort of important in the long run and i'm a little older so i have to care about that more. i have a wife and two kids. >> 401(k) plans are also on the mind of victoria, ceo and founder of grid dynamics, we found her recruiting at the russian innovation conference. >> companies like pal, yahoo! are all of our clients. >> one of the benefits her company offers, a 401(k) plan. >> pension plans and 401(k) plan we were legally big enough to allow programs for us, we've had them from the first day. >> stock options are risky,